World Of Hyatt Credit Card Review: Great Perks, Low Fee

World Of Hyatt Credit Card Review: Great Perks, Low Fee

World of Hyatt Credit Card Earn up to 60,000 Bonus Points | $95
Apply Now Terms Apply.
World of Hyatt Credit Card Earn up to 60,000 Bonus Points | $95
Earn 4x Points at Hyatt Properties
Free Night Every Year
Complimentary Discoverist Status
23
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!

I think hotel credit cards are incredibly underrated. They can offer huge perks that more offset their annual fees, ranging from free elite status to free night certificates, all of which can get you a lot of value.

While I have quite a few hotel credit cards, in this post I wanted to take a look at the hotel credit card that I spend the most money on, given the incentives for putting spending on the card.

World Of Hyatt Credit Card Basics For December 2022

I’d argue that the World of Hyatt Credit Card is one of the best hotel credit cards out there, thanks to its reasonable annual fee, as well as valuable perks.

What makes Hyatt’s personal credit card so brilliant is that it’s worth having regardless of whether you want to keep it just for the ongoing perks, or whether you want to spend money on it. Let’s take a closer look at what you need to know about this card.

Hyatt Card Welcome Bonus Of Up To 60,000 Points

The World of Hyatt Credit Card is offering a welcome bonus where you can earn up to 60,000 World of Hyatt points:

  • Earn 30,000 World of Hyatt bonus points after spending $3,000 on purchases in the first three months
  • Earn an additional one bonus point per dollar on purchases that earn one point per dollar on up to $15,000 spent in the first six months of account opening, for an additional 30,000 points

In reality this isn’t that great of a bonus, especially in comparison to the business version of the card. However, this has been the standard offer for quite a while now.

Redeem World of Hyatt points at Canaves Oia Epitome, an SLH hotel in Santorini

Hyatt Card Card Eligibility & Chase 5/24 Rule

The welcome bonus on the World of Hyatt Card isn’t available to those who currently have a personal Hyatt credit card, or those have received the new cardmember bonus on a personal Hyatt credit card in the past 24 months. However, you are eligible if you have the business version of the card.

Chase’s general card application rules apply, and that includes the 5/24 rule. With the 5/24 rule, you generally won’t be approved for Chase cards if you’ve opened five or more new card accounts in the past 24 months.

Hyatt Card Annual Fee

The World of Hyatt Credit Card has a $95 annual fee, and it isn’t waived for the first year. You can add additional cardmembers to your account at no extra cost. As I’ll explain below, this annual fee is so worth it even if you don’t spend money on the card, since you get an anniversary free night certificate.

Earning Points With The Hyatt Credit Card

The World of Hyatt Credit Card offers pretty good points earning opportunities. While this isn’t the card that I use for all of my spending, I strategically spend money on the card, and it works great for for me.

How good are the points earning rates?

Hyatt Card 4x Points At Hyatt Properties

The World of Hyatt Credit Card offers 4x points for spending at Hyatt hotels and resorts. While I use the Chase Sapphire Reserve® Card for hotel spending at most other hotel brands (as the card earns 3x points), I always use the World of Hyatt Card for spending at Hyatt hotels.

The 4x points category applies at all Hyatt properties, and even at Small Luxury Hotels of the World properties that are affiliated with Hyatt.

Earn 4x points at Hotel Ranga, an SLH hotel in Iceland

Hyatt Card 2x Points At Restaurants

The World of Hyatt Credit Card offers 2x points for restaurant spending globally, though personally this still isn’t a card I’d use for restaurants, given that some other cards offer 3-5x points.

Hyatt Card 2x Points On Airline Tickets

The World of Hyatt Credit Card offers 2x points on airline tickets purchased directly from airlines. Again, this isn’t the card I’d use for airline tickets, given that some other cards offer 3-5x points.

Hyatt Card 2x Points On Fitness Clubs & Gym Memberships

Hyatt has a focus on wellness, so one of the cool bonus categories is that you can earn 2x points on fitness clubs and gym memberships. For anyone wondering, this also includes group fitness businesses, like Barry’s Bootcamp, SoulCycle, etc.

This is an area where the card’s bonus category is industry-leading, as there aren’t many cards offering bonus rewards on fitness spending.

Hyatt Card 2x Points On Local Transit & Commuting

The World of Hyatt Card offers 2x points on local transit and commuting, which includes ride share services such as Lyft and Uber. Other cards still offer a better return on spending than this card does, though.

Hyatt Card 1x Points On Other Purchases

For categories in which you can’t earn 2-4x points, the World of Hyatt Card offers one World of Hyatt point per dollar spent. Generally speaking there are better cards for everyday spending, though as I’ll explain below, some of the spending bonuses could make it worth shifting spending onto this card.

Hyatt Card No Foreign Transaction Fees

The World of Hyatt Credit Card has no foreign transaction fees, so it’s an excellent card for purchases abroad. That’s especially true when staying at Hyatts abroad, as well as for dining and commuting outside the US.

Hyatt Card Contactless Pay

The World of Hyatt Credit Card features contactless pay technology. This means you can pay using your card without even swiping it whenever you see the contactless pay symbol.

World Of Hyatt Credit Card Benefits

The area where the World of Hyatt Credit Card really excels is when it comes to the benefits it offers. In my opinion, these benefits more than justify the annual fee, regardless of whether you’re spending nothing on the card, or are spending a significant amount.

The first three benefits below are perks that you get just for having the card, while the two after that can be earned for putting spending on the card.

Hyatt Card Anniversary Free Night

Just for having the World of Hyatt Credit Card you get a Category 1-4 free night certificate on your account anniversary every year. This will be issued shortly after your anniversary and is valid for 12 months.

Categories 1-4 cover a majority of Hyatt’s properties, and I’ve consistently been able to redeem this for hotels that retail for $250+ per night. This alone justifies the annual fee on the card.

I’ve used a free night certificate at the Park Hyatt Saigon

Hyatt Card Complimentary Discoverist Status

You receive Hyatt’s entry-level Discoverist status for as long as you have the World of Hyatt Card. The status will post for the primary cardmember shortly after you are approved. Discoverist status comes with the following benefits:

  • Upgrade to a preferred room, when available
  • 2PM check-out, when available
  • Premium internet
  • Daily bottled water
Discoverist members may receive preferred rooms

Hyatt Card Five Elite Nights Towards Status Annually

Just for having the World of Hyatt Card you receive five elite qualifying nights towards status annually. You will receive these within eight weeks of being approved for the card (though usually much faster), and in subsequent years they will post within eight weeks of January 1.

This will be useful if you’re hoping to earn Hyatt’s Explorist status, Globalist status, and/or Milestone Rewards. For context, World of Hyatt Explorist status requires 30 elite nights, while World of Hyatt Globalist status requires 60 elite nights.

Hyatt Card Second Free Night When Spending $15,000

While you receive a Category 1-4 free night certificate annually just for having the card, you can earn a second free night certificate if you spend $15,000 on the card in a year. Note that as of 2022 you’re awarded this based on spending within the calendar year (January 1 through December 31), while previously this was awarded based on the cardmember year (which consists of the 12 statements following opening the card).

I’ve used a free night certificate at the Park Hyatt Siem Reap

Hyatt Card Two Elite Nights For Every $5,000 Spent

In addition to the five elite nights you get just for having the card, you earn a further two elite qualifying nights for every $5,000 you spend on the World of Hyatt Card. This means that in theory, you could spend your way all the way to Explorist or Globalist status, if you wanted to.

Reaching the $5,000 threshold has nothing to do with the calendar or cardmember year — the counter simply resets every time you spend $5,000, and then you start earning towards your next two elite nights.

Hyatt Card Further Promotions

While there’s no guarantee this will continue to be offered in future years, historically Hyatt has offered additional promotions for those with the World of Hyatt Card, particularly when redeeming points.

For example, in the past we’ve seen World of Hyatt offer summer promotions, whereby card members can earn a partial refund on award nights. Hopefully we see more of these offers in the future.

Hyatt Card Chase Offers Access

One of the great features of Chase cards is access to Chase Offers, which provides savings on purchases with all kinds of retailers. The program has saved me a significant amount of money. For example, once in a while we see Chase Offers deals for 10% savings on Hyatt hotel stays.

Hyatt Card Secondary Car Rental Coverage

The World of Hyatt Card offers auto rental collision damage waiver coverage. Decline the rental company’s collision insurance and charge the entire rental cost to your card.

Coverage is provided for theft and collision damage for most cars in the United States and abroad. Do note that in the US, the coverage is secondary to your personal insurance, though.

Hyatt Card Protection With Trip Delays, Lost Luggage, And More

The World of Hyatt Card offers a variety of other protection when traveling, including:

  • Trip Cancellation & Trip Interruption Insurance — be reimbursed up to $5,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.
  • Trip Delay Reimbursement — if your flight is delayed by more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Lost Luggage Reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airline
  • Baggage Delay Insurance — be reimbursed up to $100 per day for five days for essential purchases when your bag is delayed by over six hours

Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.

Redeeming World Of Hyatt Points

The best value for redeeming World of Hyatt points is using the free night award chart. The great thing is that you earn elite nights for your stay even if you’re redeeming points or using a free night certificate.

Here’s World of Hyatt’s award chart (note that this reflects the new peak and off-peak pricing, which applies for stays as of March 2022):

There’s value to be had at all levels of the chart. As a general rule of thumb, I try to redeem at properties where I’m getting more than two cents of value per point. That’s because personally I value World of Hyatt points at ~1.5 cents each.

In other words, I’d redeem points at a Category 1 hotel during a standard period when the paid rate is $100+, I’d redeem points at a Category 7 hotel during a standard period when the paid rate is $600+, etc.

There’s so much value to be had at all levels of the award chart, and in particular, I love redeeming at Hyatt’s top properties.

Redeem World of Hyatt points atn the Alila Ubud

Is The World Of Hyatt Credit Card Worth It?

Let me answer this very simply — if you’re eligible for the card and have any interest in staying at Hyatt properties then yes, the World of Hyatt Credit Card is absolutely worth it. This is a card I personally have, and that I wholeheartedly recommend.

With that simple answer out of the way, let’s talk more about the best strategy to take with the Hyatt Card — how much money should you spend on it, should you be putting all of your spending on this, and more.

Spend $15,000 Per Year On The Hyatt Card

Personally, my approach is to put $15,000 of spending on the World of Hyatt Card every year, and I think that’s a real sweet spot. As mentioned above, you get an anniversary free night certificate and five elite nights towards status annually just for having the card.

However, by spending $15,000 on the card in a year you receive:

  • A second Category 1-4 free night certificate
  • Six additional elite nights towards status, meaning I’m earning a total of 11 elite nights towards status annually with the card

As anyone who is a World of Hyatt Globalist member can attest to, the status is really valuable, and for many of us, the co-branded credit card makes it much easier to earn that status.

But even taking the value of the elite nights out of the equation, say you spend $15,000 on the card in categories on which you otherwise wouldn’t earn bonus points. You’re earning a Category 1-4 certificate that could be redeemed at a hotel costing up to 18,000 points, and that’s generally exactly how I redeem it.

So to me, that’s almost like earning over two World of Hyatt points per dollar spent, which is a great return on everyday spending. The reality is that I do even better than that, since most of that $15,000 of spending is at Hyatt hotels (where I earn 4x points), so the math works out even more favorably.

The Hyatt Centric Fort Lauderdale is a Category 4 property

How Much Do You Have To Spend For Globalist Status?

I’ve had some people ask if it’s worth using this credit card to spend your way to Globalist status, which requires 60 elite nights. If you were to earn Globalist status from scratch, you’d need to spend $140,000:

  • You get five elite nights towards status annually just for having the card
  • You’d earn two more elite nights for every $5,000 spent, so spending $140,000 would earn you 56 elite nights, for a total of 61 elite nights

Personally I’d never spend all the way to Globalist status, but rather I’d use a hybrid approach, and would earn Globalist status partly through credit card spending and partly through actual stays. After all, if you’re not actually staying a significant number of nights, what’s the point of earning the status?

Is Hyatt Globalist Status Worth It?

Globalist status is my favorite top-tier hotel status, and it comes with all kinds of awesome perks. Just to share some of the benefits for those who qualify for the status with 60 elite nights:

  • Unlimited complimentary suite upgrades, subject to availability at check-in
  • Four confirmed suite upgrades, each of which can be used to confirm a suite upgrade at the time of booking for a stay of up to seven nights, when available
  • Complimentary breakfast and/or club lounge access
  • Guaranteed 4PM late check-out, except at resorts
  • An additional Category 1-4 and Category 1-7 free night certificate
  • Guest of Honor, where you can redeem your points for a friend or family member, and they get your status
  • Waived resort/destination fees on all stays, and free parking on award stays
  • Access to My Hyatt Concierge

I’ve been a Hyatt loyalist for well over a decade, and have consistently had great experiences.

Room service breakfast & a suite at the Park Hyatt Paris thanks to my status

Other Options For Earning Hyatt Points

While the World of Hyatt Card is awesome, I’d note that it’s not the only way to earn World of Hyatt points. You can also transfer over points from Chase Ultimate Rewards at a 1:1 ratio, which is one of my favorite uses of those points. There could be value in using:

See this post for all the best ways to earn Hyatt points.

Transfer Chase Ultimate Rewards points to World of Hyatt

How Does The World Of Hyatt Business Card Compare?

The World of Hyatt Business Credit Card (review) could be a good option for any small business looking to earn Hyatt points or status. Here are some key aspects of the card:

  • It offers a nice welcome bonus of 60,000 World of Hyatt points after spending $5,000 within three months, which is better than on the personal card
  • It has a $199 annual fee, which is more than twice as much as on the personal card
  • It offers up to $100 in Hyatt credits every anniversary year; receive a $50 statement credit twice when you spend $50 at a Hyatt with the card
  • It offers five elite nights towards status for every $10,000 spent in a calendar year
  • It offers Discoverist status for as long as you have the card, for you and five employees
  • If you spend $50,000 on the card in a calendar year, you can receive 10% back on subsequent award redemptions, up to 20,000 points back per year

Personally I think the personal card is generally more rewarding, though the business version of the card earns you elite nights at an accelerated rate.

Receive an award rebate with the Hyatt Business Card

Bottom Line

The World of Hyatt Credit Card is exceptional. It’s a card I have and a card I spend at least $15,000 on per year.

The card is worth having even if you don’t plan on putting spending on it — you get an anniversary free night certificate you can use at a hotel that costs significantly more than the annual fee, you get complimentary Discoverist status, and you get five elite nights towards a higher status tier.

Beyond that it can be worth putting spending on the card, thanks to the unique bonus categories (4x points on Hyatt stays and 2x points on fitness and gyms), as well as the additional elite nights and second free night certificate.

If you want to learn more about the World of Hyatt Credit Card or apply, follow this link.

Apply Now

Conversations (23)
The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Type your response here.

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Anyone can comment, and your email address will not be published. Register to save your unique username and earn special OMAAT reputation perks!

  1. Evan Guest

    Does parking count as a commuting expense which earns bonus miles?

    Or only mass transit?

  2. Julian P Guest

    Great article. Do you know if an authorized user uses the card and books a separate room, does that count as separate qualifying activity towards status?

  3. deng frosch Guest

    Poor bonus and weak earnings rate compared to competing hotel cards. The worst part is the affiliation with Chase. No card is worth dealing with Chase. They will cheat you.

  4. Capri Guest

    I am a Globalist and I am thinking of signing up the WOH credit card. I have a question and hope someone can help to answer. If I stay at a property that offers double points rate (I believe it is 1 base point + 1 bonus point) and I decide to pay with my WOH CC. So say my hotel bill is $1000. Then with all the bonus and status I have here, how...

    I am a Globalist and I am thinking of signing up the WOH credit card. I have a question and hope someone can help to answer. If I stay at a property that offers double points rate (I believe it is 1 base point + 1 bonus point) and I decide to pay with my WOH CC. So say my hotel bill is $1000. Then with all the bonus and status I have here, how many points will I get on this transaction?

    Since I only travel a few times each year, I am trying hard to see how I can maintain my Globalist status.

    Appreciate your help
    Capri

  5. Tanya Guest

    Hi, might be a dumb question...for the 'extra' annual free night award when you spend $15,000, that is not a direct result of the points you organically earned with that spend?
    So, you get the annual free night, and when you spend $15000 you get/accumulate and keep the points from that, *and get a 2nd free night award. Is that right?

    I really wish they would offer an option with better status, or...

    Hi, might be a dumb question...for the 'extra' annual free night award when you spend $15,000, that is not a direct result of the points you organically earned with that spend?
    So, you get the annual free night, and when you spend $15000 you get/accumulate and keep the points from that, *and get a 2nd free night award. Is that right?

    I really wish they would offer an option with better status, or a higher sign up bonus. It looks like a solid work horse card, but it kinda lackluster otherwise.

    I also wish they would status match but I only see that with M Life, is that correct? Trying to sort out how I can use my existing Hyatt Diamond status to upgrade this card's status.

  6. Simon Guest

    The card benefits state "Earn 4 Bonus Points per $1 spent at Hyatt hotels, participating Small Luxury Hotels of the World, and eligible Lindblad Expeditions.*Opens Offer Details overlay Plus, 5 Points from Hyatt per eligible $1 spent for being a World of Hyatt member." - so, one should earn 9x total points per dollar on a Hyatt stay correct?

  7. Dave_261 Guest

    I really wish Ben would call Hyatt out on this part of the bonus: Earn an additional one bonus point per dollar on purchases that earn one point per dollar on up to $15,000 spent in the first six months of account opening, for an additional 30,000 points.

    15,000 of these points are NOT bonus... they are points the cardholder has rightfully earned (and then get matched). The sign-up bonus for this card really should say 'Up to 45,000 points'... NOT 60,000.

  8. Primal Travel Company Guest

    Disappointed that Hyatt is not extending free night certificates that were issued this year. Even IHG is compensating their customers for expiring certificates that were not used due to the pandemic. Hyatt’s lack of customer service foreshadows continued decreasing market share and fewer properties. What is the point of getting this card other than referral bonuses?

    1. Ben Schlappig OMAAT

      @ Primal Travel Company -- I've also been frustrated by Hyatt's lack of certificate extensions, so I hear you. But that's only one aspect of the program, and otherwise I think Hyatt has been doing a great job.

      The reason to get this card is what I shared in this post -- for those of us who are loyal to Hyatt, the five elite nights towards status annually plus the annual free night award are...

      @ Primal Travel Company -- I've also been frustrated by Hyatt's lack of certificate extensions, so I hear you. But that's only one aspect of the program, and otherwise I think Hyatt has been doing a great job.

      The reason to get this card is what I shared in this post -- for those of us who are loyal to Hyatt, the five elite nights towards status annually plus the annual free night award are worth more than $95. Furthermore, if you're able to, it's worth spending $15,000 annually to earn an additional free night award, plus to receive six further elite nights.

  9. JW Guest

    Here's hoping for a change / refresh on their welcome bonus soon! Would like to get the card -- but the bonus is less appealing than in years past with such a high spend threshold!

    1. Ben Schlappig OMAAT

      @ JW -- Agree it would be great to see a refresh to this bonus. Hopefully it happens eventually...

  10. Daniel Guest

    A perfect 5 out of 5 stars for a 30k welcome bonus? Seriously?

    1. Joes Guest

      @Daniel
      It’s a great card but then again

      @DCS
      Can find ways the Hilton Aspire card is worth it from a $450 fee vs $95 fee

    2. Ben Schlappig OMAAT

      @ Daniel -- My star ratings are intended to reflect the overall long term value proposition of a card, rather than the particular welcome bonus. I don't adjust star ratings when bonuses change.

    3. SST Guest

      Hyatt has been progressively becoming rather a mixed-bag of benefits versus irritations this past few years. Expiring certificates during COVID, properties closed or services reduced to nil, vanishing freebie availability, properties employing tricks to prevent redemptions, junk fees, parking jacked up to extreme rates, amenities reduced……. As a Globalist, I will continue to book— but I’m not enthusiastic about it. With travel necessarily reduced, I’m not sure I can again make the 55-60 nights given...

      Hyatt has been progressively becoming rather a mixed-bag of benefits versus irritations this past few years. Expiring certificates during COVID, properties closed or services reduced to nil, vanishing freebie availability, properties employing tricks to prevent redemptions, junk fees, parking jacked up to extreme rates, amenities reduced……. As a Globalist, I will continue to book— but I’m not enthusiastic about it. With travel necessarily reduced, I’m not sure I can again make the 55-60 nights given their small footprint and if it looks like I won’t, I think without some status bonuses I’m again a free agent. Maybe that will be better for both me and Hyatt….. Me because I will stay only at properties that are my first choice, and Hyatt because then the entire management team and licensees who think of their elite guests as the enemy can rid themselves of us leeches, even if their hotels are only half full.

  11. Kathie Allen Guest

    Hey Lucky,

    How soon can I reapply for the Hyatt personal credit card if I canceled my prior Hyatt personal credit card in December 2021?

    I will use your link when I reapply. :)

    Thanks!

    1. Ben Schlappig OMAAT

      @ Kathie Allen -- You aren't eligible for the card if you've received the bonus in the past 24 months. Assuming that's not an issue, generally it can take up to a month until the system fully recognizes you as not being a new cardmember. :)

  12. Brutus Guest

    "This is an area where the card’s bonus category is industry-leading, as there aren’t many cards offering bonus rewards on fitness spending."

    The second half of this statement is true, but there are other cards that offer 2x on fitness (and all other) spending: Venture, Venture X, Blue Business Plus...

    1. Andrew Diamond

      Agreed, I gather this is largely Chase copy. I don't think lucky would write that contactless is a major benefit. That sounds corporate.

    2. Ben Schlappig OMAAT

      @ Brutus -- You're absolutely right, you can do just as well with the return on everyday spending on other cards. The benefit of this bonus on Hyatt's card is that there are further spending bonuses, from elite nights to an extra free night certificate.

  13. Steve Diamond

    When are anniversary nights posted? My anniversary was in November and it still hasn't posted. When i hit 5 brands, 30 nights etc, those free night certificates were deposited the very next day.

    1. Ben Schlappig OMAAT

      @ Steve -- It can take up to 10 weeks after your anniversary for the free night to post, so it's not too surprising that it hasn't posted yet. Hopefully it posts soon! :)

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Ben Schlappig OMAAT

@ Steve -- It can take up to 10 weeks after your anniversary for the free night to post, so it's not too surprising that it hasn't posted yet. Hopefully it posts soon! :)

1
Evan Guest

Does parking count as a commuting expense which earns bonus miles? Or only mass transit?

0
Julian P Guest

Great article. Do you know if an authorized user uses the card and books a separate room, does that count as separate qualifying activity towards status?

0
Meet Ben Schlappig, OMAAT Founder
4,788,713 Miles Traveled

27,627,500 Words Written

32,315 Posts Published

Keep Exploring OMAAT